NY A09281

Requires all individual medical insurance policies to allow patients to assign their insurance payments directly to healthcare providers, including out-of-network providers, for covered services

Extends the same assignment-of-benefits requirement to group and blanket health insurance policies delivered in New York State

Mandates that when insurers pay claims directly to healthcare providers, they must send written notification to the policyholder detailing the amount paid, percentage of total claim, services covered, provider name, and payment calculations including co-payments, deductibles, surcharges, and fee schedules

Applies the assignment requirement to contracts issued by medical expense indemnity corporations and health service corporations

Takes effect 90 days after becoming law and applies to policies issued, renewed, modified, altered, or amended on or after that date